TakeProfitTrader Payout System Explained

TakeProfitTrader's payout system operates on a two-stage process: first you withdraw from your PRO account to your internal wallet (1-5 business days), then you withdraw from your wallet to your bank account or PayPal (1-3 business days for ACH, same-day for wires). The 80/20 profit split happens automatically when you request a PRO withdrawal—you never see the full profit amount, only your 80% share hits your wallet.

There are no payout schedules, minimum holding periods, or maximum withdrawal limits—you can request payouts daily if your PRO account has profits available, and you can withdraw your entire wallet balance in a single transaction. Understanding this flow prevents confusion about where your money is during processing and helps you time withdrawals strategically to maintain trading capital while accessing profits.

Quick heads-up: This article is based on my real experience with TakeProfitTrader and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check TakeProfitTrader´s website or their knowledge base.

The Two-Stage Withdrawal Flow

Stage 1: PRO Account → Wallet

You request withdrawal from your PRO account. TPT processes it and moves your share (80%) to your wallet.

Timeline: 1-5 business days
Fee: $0
Minimum: $100

Stage 2: Wallet → Bank/PayPal

You request withdrawal from your wallet. TPT sends payment via Stripe or PayPal to your bank.

Timeline: 1-3 business days (ACH), same-day (wire)
Fee: $0 from TPT
Minimum: $100 (ACH), $500 (wire)

Why two stages?

This separates trading capital (PRO account) from available cash (wallet). You can leave money in your wallet for Test subscriptions, resets, or future expenses without having it tied up in an active trading account.

How the 80/20 Profit Split Works

TakeProfitTrader takes 20% of your PRO profits. You keep 80%.

When the split happens:

At the moment you request a withdrawal from PRO. Not when you pass Test, not when you first trade, not when you move money from wallet to bank—at PRO withdrawal.

Example:

Your PRO account shows $3,000 profit. You request withdrawal.

System calculates:

• Your share (80%): $2,400
• TPT's share (20%): $600

What hits your wallet: $2,400

Your PRO balance after withdrawal: $0

Important: The PRO dashboard already shows your available balance AFTER the split. If your PRO account shows $2,400 available for withdrawal, that's because the system already calculated your 80% share. You're not seeing $3,000 then losing $600—you're seeing $2,400 from the start.

Step-by-Step: PRO to Wallet Withdrawal

Step 1: Check PRO Balance

Dashboard → PRO Accounts → View your available balance

Available balance = Your 80% share of profits ready to withdraw

Example: Available balance shows $1,500. This is already your share after the split.

Step 2: Request Withdrawal

Click "Withdraw" or "Request Payout"

Enter amount: $500 to $1,500 (any amount up to your available balance)

Destination: Your TakeProfitTrader wallet (automatic)

Step 3: Confirm Request

System shows confirmation screen:

• Amount requested: $1,000
• Destination: Wallet
• Processing time: 1-5 business days

Click "Confirm"

Step 4: Wait for Processing

TPT reviews and approves withdrawal (typically 1-2 business days, can extend to 5 during high volume).

Why does it take 1-5 days?

TakeProfitTrader manually reviews PRO withdrawals to ensure:

• No rule violations occurred
• Profit wasn't made during restricted hours
• Account metrics are legitimate

This protects both TPT and other traders from fraud.

Step 5: Funds Appear in Wallet

Once approved, $1,000 appears in your wallet.

Check: Dashboard → Wallet → Available Balance

Step 6: Decide Next Move

• Keep in wallet for future Test purchases/resets
• Withdraw to bank (Stage 2)

Step-by-Step: Wallet to Bank Withdrawal

Step 1: Check Wallet Balance

Dashboard → Wallet → Available Balance

Example: $2,500 available

Step 2: Set Up Payment Method (First Time Only)

If you haven't set up a payout method:

Settings → Payment Methods → Add Bank Account or PayPal

For bank:

• Enter routing number
• Enter account number
• Confirm ownership (micro-deposits or instant verification)

For PayPal:

• Link PayPal account email

Step 3: Request Withdrawal

Wallet → Withdraw → Enter amount

Amount: $100 minimum (ACH), $500 minimum (wire)

Payment method: Select bank or PayPal

Transfer type: ACH (slower, free) or Wire (faster, may have receiving fees)

Step 4: Confirm Withdrawal

System shows:

• Amount: $2,500
• Method: ACH to Bank of America (...1234)
• Estimated arrival: 1-3 business days
• Fee: $0

Click "Confirm"

Step 5: Processing

TPT submits payment to Stripe/PayPal (typically within 24 hours).

Step 6: Funds Arrive

ACH: 1-3 business days
Wire: Same day to 1 business day
PayPal: Instant to PayPal account (then 1 day to bank if you transfer)

Payout Frequency and Limits

Can you withdraw profits daily?

Technically yes. If your PRO makes $200 profit today, you can request withdrawal tomorrow. But practically, you'd be processing fees (if your bank charges them) and waiting 1-5 days each time.

Better strategy: Batch withdrawals. Withdraw $1,000-2,000 once or twice a month rather than $200 every week.

Payout Processing Times (Real-World)

Best case (everything goes right):

Monday: Request PRO withdrawal
Tuesday: TPT approves, funds in wallet
Wednesday: Request bank withdrawal
Thursday: Funds arrive in bank

Total: 3 business days

Average case:

Monday: Request PRO withdrawal
Wednesday: TPT approves (2 days review)
Thursday: Request bank withdrawal
Monday (next week): Funds arrive

Total: 5-7 business days

Worst case (delays or issues):

Monday: Request PRO withdrawal
Friday: TPT approves (5 days review during busy period)
Monday: Request bank withdrawal
Thursday: Funds arrive (3 days ACH)

Total: 9 business days

My experience: Average is 5-6 business days from PRO withdrawal request to money in bank. Plan accordingly.

What Delays Payout Processing

Delay Factor 1: Rule Violations Review

If you barely avoided a rule violation (e.g., got close to max trailing drawdown), TPT might take longer reviewing your withdrawal to ensure everything was legitimate.

Delay Factor 2: High Withdrawal Volume

During months when many traders are withdrawing (end of quarter, around holidays), processing can take longer.

Delay Factor 3: First Withdrawal

Your first payout from a new PRO account takes longer as TPT manually verifies the account.

Delay Factor 4: Weekends and Holidays

Requested on Friday? Processing might not start until Monday. Business days only.

Delay Factor 5: Bank Processing

Even after TPT sends payment, your bank might hold it 1-2 days for fraud checks (especially for larger amounts like $5K+).

Strategic Withdrawal Timing

Strategy 1: Keep Buffer in PRO

Don't withdraw every dollar. Keep $500-1,000 buffer in your PRO account so you don't accidentally violate trailing drawdown by drawing balance down to zero.

Example:

PRO balance: $3,000
Withdraw: $2,500
Keep: $500 buffer

This $500 stays in your PRO, giving you breathing room if you take losses.

Strategy 2: Keep Emergency Fund in Wallet

Leave $500-1,000 in your wallet instead of withdrawing everything to your bank.

Why?

If you violate PRO and need a $549 reset immediately, you have funds available. No need to wait 3-5 days for a bank deposit.

Strategy 3: Withdraw Around Expenses

Time withdrawals to arrive when you have bills due.

Example:

Rent due on 1st of month. Request PRO withdrawal on 23rd of previous month. Funds hit wallet by 26th. Request bank withdrawal on 26th. Funds in bank by 30th.

Strategy 4: Tax Savings Discipline

Every time you withdraw to wallet, immediately calculate 30% and mentally "lock" that for taxes.

$2,000 in wallet? $600 is for taxes, $1,400 is yours to spend.

When you withdraw $2,000 to bank, transfer $600 to a separate "tax savings" account immediately.

Common Payout Issues and Fixes

Issue 1: "Insufficient balance for withdrawal"

You requested $1,500 but your available balance is $1,400.

Fix: Request $1,400 or less. Available balance already accounts for the 80/20 split.

Issue 2: Withdrawal request stuck on "Pending" for 5+ days

Fix: Contact support: support@takeprofittrader.com. Include your account number and withdrawal request date.

Issue 3: Funds appeared in wallet but can't withdraw to bank

Cause: You haven't set up a payment method yet.

Fix: Dashboard → Settings → Payment Methods → Add bank account or PayPal.

Issue 4: Bank rejected incoming payment

Cause: Bank flagged it as suspicious (happens with large first-time payments).

Fix: Contact your bank and tell them to expect the incoming transfer from TakeProfitTrader/Stripe. They'll unblock it.

Issue 5: Withdrawal to PayPal failed

Cause: PayPal email doesn't match your TPT account email.

Fix: Update PayPal info in payment settings or change TPT account email to match PayPal.

Comparing TPT Payout System to Competitors

Analysis:

TPT's on-demand system with 3-8 day total processing is competitive. You're not locked into monthly or bi-weekly cycles like some firms.

Tax Implications of Payouts

Every PRO withdrawal is taxable income in the year you receive it (wallet or bank—doesn't matter).

Example:

You make $10,000 profit in PRO in December 2025. You withdraw to wallet December 30, but don't withdraw from wallet to bank until January 3, 2026.

Tax year: 2025 (when it hit your wallet)

You owe taxes on $10,000 × 0.80 = $8,000 (your share) in your 2025 tax return, even though it didn't hit your bank until 2026.

Why? The wallet is considered "constructively received" income. You had access to it in 2025.

Strategy: If you want to defer taxes by one year, don't request PRO withdrawal until January. Keep profits in PRO through December, withdraw in January—now it's next year's income.

Bottom Line

TakeProfitTrader's payout system runs on a two-stage flow where you first withdraw from PRO to wallet (1-5 business days, $100 minimum) then from wallet to bank (1-3 business days ACH, same-day wire, $100-500 minimum depending on method). The 80/20 profit split applies automatically when you request PRO withdrawals, and there are no payout schedules, holding periods, or maximum limits—you can withdraw daily if you choose, though batching withdrawals biweekly or monthly is more practical.

Total processing time averages 5-6 business days from PRO withdrawal request to funds in your bank account, with delays possible during high-volume periods or first-time withdrawals. Strategic traders keep $500-1,000 buffers in both PRO and wallet to maintain trading capital and cover emergency resets without waiting for bank deposits.

The system is competitive compared to other prop firms that impose monthly payout schedules or charge $25-50 withdrawal fees, and understanding the two-stage flow prevents confusion about where your money is during the 5-8 day processing window.

Your Next Steps

👉 Read the Full TakeProfitTrader Review